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Benefits

NOTE: As IU School of Medicine trainees, you do not receive IU Health benefits.  All your benefits are provided by IUSM.

HEALTH INSURANCE

Health insurance is provided to the house staff by the affiliated hospitals through the School of Medicine Office of Graduate Medical Education. You will be responsible for any co-payments required by the plan at the time of service. Courtesy discounts are not permitted for inpatient or outpatient hospital charges which are not covered by insurance. The plan year runs from January through December. If you marry or have a child, you must complete a new form to add the dependent(s) to your insurance within thirty days of the event online through Onestart. If you do not complete an enrollment form within thirty days of the event, you will be required to wait until the next open enrollment period to obtain benefits for your spouse or child. Proof of dependent coverage (i.e. marriage certificate, birth certificate, etc) must be submitted as well. Coverage will end on the last day of eligibility; for example, midnight on the last day of active, full-time training. (See Continuation Coverage.)

Medical Care
Anthem: The Anthem Blue Cross & Blue Shield Physician Directory is available on line at http://hr.iu.edu/benefits/GMEplan.html.  Your plan is the Blue Access PPO.  The directory contains a comprehensive list of Anthem physicians, including its primary care and specialty physicians, office locations, and the hospital(s) you will be admitted to if inpatient services are necessary.  You can also find a detailed summary of medical benefits at the above URL.

Prescription Drug Plan
Anthem members have access to pharmacies across the country through Medco. A list of pharmacies is located on the benefits website http://hr.iu.edu/benefits/GMEplan.html.  You can also research and compare thousands of different drugs and obtain actual out-of-pocket costs for your prescriptions.

Vision Care
The vision program is Blue View Vision-Exam Plus Option #5.  You can find a summary of this benefit here.  Anthem has an extensive nationwide network of doctors who provide quality eye care and materials. When you are seen by a participating doctor, your plan covers an eye examination, less any applicable copayment. You may also purchase eyeglass frames, lenses, and contact lenses at a discount.

 

DENTAL INSURANCE

You have a choice of two dental care plans: CIGNA Dental Health Maintenance Organization (DHMO) and CIGNA Preferred Provider Organization (PPO). You can find information on either of these programs at the CIGNA website.  You will be allowed to enroll in one of these plans at the beginning of your training. If you decide not to enroll, you must wait until the next open enrollment period to receive this benefit. Also, you may change plans only during open enrollment.

PPO: This is a traditional plan that provides reimbursement for dental services from a network of participating providers, or at a lower benefit, outside the network from any licensed dentist of your choice. You are required to pay the dentist for normal charges and then file a claim for reimbursement. Under this program, you have an annual deductible of $50 for a single plan and $150 for a family plan. There is also an annual benefit maximum amount of $500 per person per plan year. Click here for PPO summary.

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DOMESTIC PARTNERS BENEFITS

The IU School of Medicine provides the benefits listed below for qualified domestic partners and qualified children of domestic partners.

To take advantage of these benefits for a same-sex domestic partner and any associated child(ren), a house staff member will need to follow the directions for registration and enrollment on the benefits site.

Click here for domestic partner instructions.

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OPEN ENROLLMENT

Open enrollment occurs annually during the month of November. Changes made during open enrollment will be effective from January 1 through the following December 31st. You may change your primary care physician at any time during the plan year; you don't have to wait for open enrollment to do this. If you had a qualifying event during the past year but did not add your spouse or child to your health plan within thirty days of the event, you may add the individual during the open enrollment period. No individual may be eligible for benefits both as a house staff member and as a dependent, or as a dependent of more than one house staff member.

Click here for Open Enrollment 2012 instructions.

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CONTINUATION COVERAGE

You and/or your dependents may continue your benefits under your group health plan for up to eighteen months after completion of training. This is called COBRA. You will be notified via US mail by the Bloomington benefits department that you have the right to continue coverage and you will have sixty days to respond. If you elect to continue coverage, the total cost is your responsibility. IU School of Medicine will not supplement the cost. There will be no interruption in benefits if your election form is completed within the specified time and you have paid all premiums due within 45 days of the date you complete your election form. Premiums are calculated at the Group Plan rates. It is important that the Office of Graduate Medical Education has a current address on file for you in order to insure that all information related to COBRA is received by you in a timely manner. If you choose not to continue coverage, your group health insurance will end at your termination date.

For more information click here COBRA.

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MENTAL HEALTH REFERRAL, EVALUATION, AND TREATMENT RESOURCES

Indiana University School of Medicine provides free and confidential counseling services to the medical students and house staff. Information can be obtained by calling Counseling Services at 317-278-4750 or visiting their website at http://counseling.medicine.iu.edu/ Services available are: individual, couples and family, and group counseling, consultation, programming, and emergency intervention. Typical concerns presented for counseling include adjustment, alcohol or drug-related difficulties, anxiety/stress management, body image, depression, disordered eating, emotional response to physician responsibilities, harassment, individual differences, relationship difficulties, self-esteem, sexuality, sexual victimization, and suicidal thoughts. At times, students and house staff may require mental health evaluation and/or long-term counseling. These individuals are referred to mental health professionals both on and off campus who provide these services. The Office of Counseling Services may assist, organize, and/or present educational programs depending on advance notice and availability.

All individuals will be treated with respect regardless of age, color, counseling concern, ethnicity, gender, marital/parental status, national origin, race, religion, physical ability, sexual orientation, or veteran status. Counseling is confidential in accordance with state laws and ethical guidelines. Counseling records are maintained in files separate from the student/house staff files and cannot be accessed by faculty, staff, administrators, parents or other student/house staff without the individual's written permission. Students and house staff may schedule an appointment by calling Counseling Services. A meeting with the counselor should be available within one week. Walk-in and evening appointments are welcomed depending on counselor availability. When an emergency occurs after regular business hours call 911 or the Access Center for IU Health, 24 hour a day, 7 days a week at 317-962-2622.

Mandated psychiatric or substance abuse evaluations may be requested by a residency training director or the Associate Dean for Graduate Medical Education when there is concern that a resident's performance may be impaired by psychiatric illness or substance abuse. Results of a mandated evaluation are reported to the residency training director and to the Associate Dean for Graduate Medical Education. The results of such evaluations are circulated as narrowly as possible consistent with the need to establish fitness to continue in training. Refusal to cooperate with a mandated psychiatric or substance abuse evaluation may be considered grounds for administrative dismissal from the training program. Additional coverage for mental health services is available through Anthem. 

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PHYSICIAN ASSISTANCE PROGRAM

IU School of Medicine has contracted with the Indiana State Medical Association Physician Assistance Commission (ISMA-PAC) to coordinate efforts in identifying and assisting IUSM physicians with illnesses impairing their ability to practice medicine. These illnesses may include chemical dependency, psychiatric illnesses, and/or physical illnesses. The ISMA-PAC was created to assist in the identification, treatment, and rehabilitation of an impaired member of the medical staff and house staff.

The ISMA Commission serves all physicians who provide care at IU Health Methodist, IU Health University, Riley Hospital for Children at IU Health, VAMC, and Eskenazi Health Hospitals be they faculty, staff, or resident physicians. If intervention is deemed appropriate, it is undertaken in a confidential, positive, supportive manner, consistent with the laws of the State of Indiana, with the goals of recovery and rehabilitation foremost in mind. For confidential assistance, contact: Candace Backer, ISMA Physician Assistance Coordinator, 322 Canal Walk, Indianapolis, IN 46202; Phone: 317-261-2060 or 1-800-257-4762.

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DISABILITY INSURANCE

The group long-term disability coverage, provided at no cost to house staff members of IU School of Medicine, is an AMA-sponsored group disability policy underwritten by Standard Insurance Company of Oregon. This policy known as Med Plus Advantage was designed with the specific needs of Resident Physicians kept in mind. Following is a summary of the policy features under the AMA-sponsored policy. Click here for more information.

You have the right to purchase your own individual disability policy with a monthly benefit of $6,500 upon completion of your Residency or Fellowship. This coverage will include a Future Increase Option Rider which will allow you to increase the $6,500 monthly benefit to $14,000 of monthly benefit as your income grows. There is very limited underwriting to qualify for this coverage. Coverage is through Union Central Life and rates are discounted by 15% to 20% for IU School of Medicine Residents and Fellows. Any Resident or Fellow concerned about their medical history should look at this option when leaving training. During your last 90 days of Residency or Fellowship you will receive information from the AMA on this option.

If you have any questions on this coverage or would like to request a policy, please contact:
Lee D. Moore at 317-558-1012 -email: Lee.Moore@NM.com or
John C. Haffner at 317-873-8254 - email: John.Haffner@NM.com

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LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

Basic Life and Accidental Death & Dismemberment insurance is provided to the house staff at no cost through CIGNA Life Insurance, Policy Number FLX-960485. Proof of good health is not required. In the event of death of the employee, the plan pays $20,000 to the named beneficiary. All employees must have a current beneficiary designated online through OneStart. Coverage is effective on the first day of full-time employment with the University; there are no waiting periods to satisfy.  If you have any questions, please contact the Graduate Medical Education Office at 317-274-8282.

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MEDICAL MALPRACTICE LIABILITY INSURANCE

The School of Medicine provides, or arranges to provide through its affiliated hospitals, medical malpractice liability insurance coverage for house staff only while acting in the scope and course of approved training. Insurance coverage extends to claims made during and after the training period if based on acts or omissions which took place during the training period. Coverage limits for house staff are in accordance with the Indiana Medical Malpractice Act, as amended from time to time.

The School of Medicine provides medical malpractice liability insurance coverage for house staff outside an approved affiliate hospital ONLY WITH THE PRIOR WRITTEN APPROVAL OF THE PROGRAM DIRECTOR AND DIRECTOR OF GRADUATE MEDICAL EDUCATION. Rotations or electives outside the State of Indiana are also subject to prior written approval of the Program Director and Director of Graduate Medical Education. Coverage limits for out of state rotations may be difficult to obtain unless the institution in which the rotation occurs provides the insurance. This may limit the availability of such rotations.

The School of Medicine DOES NOT provide insurance coverage for house staff engaged in moonlighting activities.

Click here for a copy of the Medical Malpractice Certificate. For additional information or questions about insurance coverage, contact the Director of Graduate Medical Education at 274-8282.

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UNIFORMS AND IU SCHOOL OF MEDICINE PHOTO IDs

The standard uniform is a white lab coat with IU School of Medicine embroidered on it. Lab coats are provided by each program. Ask your Chief Resident about specific departmental requirements regarding dress codes.

The IU School of Medicine Photo ID card (Jagtag) is required for all house staff. The cost of the ID card is $20, paid to Card Services.  You may add funds to the card if you wish to use it as a debit card at the campus locations that accept it. You may use your Jagtag for a library card, campus photocopy card, physical education recreational sports card, vending machine card, food services card, and bookstore card.

Photo IDs are available at Campus Card Services, 420 University Blvd. Suite 217.  You will need to bring a photo ID with you to obtain an IUSOM Photo ID card.  For further information on the Jagtag, click here.

In order to gain admittance into Clarian IU and Riley Hospitals and any IUSOM building after 8pm and on holidays and weekends, you must have a security access card. Your department will assist you in obtaining this card.

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VEHICLE REGISTRATION-PARKING

All affiliated hospitals offer preferential parking stickers or cards to the house staff at no charge. For IU Health University and Riley Hospitals, register at IUPUI Parking Services Office located in the Vermont Street Garage. IUPUI stickers expire on June 30 of each year and must be renewed prior to July 1. IUPUI parking allows for "A" surface parking. Residents on rotation at IU Health Methodist Hospital should park in Parking Garage #1, located on the Northeast corner of 16th and Senate. For your convenience, it is recommended that you obtain a Parking Card ($15 deposit). Your IUSM ID badge will still be able to be used if you do not obtain a parking card. Just show it to the parking attendant when leaving and you will not be charged for parking. If you park in any other garage on the Methodist campus, you will be expected to pay the customary parking charges. At Eskenazi Health, you will receive a parking decal from your Chief Resident at the beginning of each rotation. If you have any problems, go to the Security Office on the main floor of the West Outpatient building. You will need your IUSM photo ID and security access card in order for them to issue you a parking decal. At VAMC register at the Police and Security Office, C-2107. Take care of parking registration on the first day of rotation at each affiliated hospital.

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LIVING QUARTERS

Each affiliated hospital will provide suitable on-call quarters.

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OSHA AND CDC RECOMMENDATIONS

It is the policy of the School of Medicine that training for universal precautions is mandatory for all house staff prior to the commencement of training through on-line new resident/fellow orientation on ONCOURSE. Compliance is also required with OSHA and CDC recommendations which assumes that every direct contact with a patient's blood and other body substances is infectious and requires the use of protective equipment. The affiliated hospitals agree to provide, and make readily available, personal protective equipment to include gloves, face protection (masks and goggles), and cover gowns. In the event of a contamination incident the house staff member should call pager number 312-OUCH (312-6824) and follow the instructions given. Other numbers that may be useful if questions or concerns arise regarding infection control, needle sticks or OSHA requirements are the following:

IU Health Infection Control: 317-962-2157
Eskenazi Health Prevention Control:317-630-7574
VAMC: 317-554-0000, Ext. 82492
IUPUI Health Services: 317-274-5887

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ON-CALL MEALS

Residents/Fellows are provided meals when on in-house call at each of the affiliated hospitals.  The on-call meal card can be used for a complimentary meal while on call at the affiliated hospitals.  The card, its value, and any remaining balance belongs to the affiliated hospital, not the resident.  The meal is complimentary and the card is a method for providing this convenience to the resident.  There is a $25/day limit.  The on-call meal card is not a gift card. Cards will be zeroed out once a year unannounced.

House staff are expected to pay for meals when not on call. Cafeterias are available at each hospital listed below. Similarly, all the hospitals have vending machines open 24 hours a day.

IU Health University, Riley Hospital for Children at IU Health, and IU Health Methodist Hospitals: Electronic meal cards (gold cards) are issued through your department. The card works as a debit card to purchase food in the IU Health University Hospital Cafeteria and Quick Serve, Riley Hospital Cafeteria and the Methodist Hospital Cafeteria. Points will be deposited into your account based on the number of on-call times you are scheduled for each month. Two tickets are issued for week night call to use for the evening meal and breakfast the next morning. For weekend and holiday call, three tickets are issued for lunch, dinner, and breakfast the following morning. The value of each meal ticket is $6. Any cost in excess of this amount must be paid by the individual. If you lose your card, please inform your department coordinator in order for the card to be deactivated and a new one issued. There will be a $20.00 charge to replace the card. You MUST pay with cash or credit card. Damaged or non-functional cards will be EXCHANGED at no charge.  You must have the bad card with you for the $20.00 fee to be waived. Each time you use the gold card, your receipt will tell you how many points still remain in your account. Each point represents one penny to the system. During the month, it will be possible to add or subtract meals to your account if rotation changes have occurred. Please contact the department coordinator who will submit the appropriate form to Nutrition and Dietetics. 

IU Health University Hospital:

Patio View Cafeteria

Breakfast 6:30 am-10:30 am
Grab & Go 10:00 am-11:00 am
Lunch 11:00 am-1:30 pm to 4p.m.
Weekends & holidays open 6:30am to 1 am!

Sonny's Bistro
Lunch/Dinner 11:00am-7:00pm (weekdays)

Riley at IU Health:

Hospital Cafeteria

Breakfast 6:00 am-10:00 am
Lunch 11:00 am-2:00 pm
Closed Weekends!

The ROC
Lunch 11:00a.m.- 2:00p.m.

Red Wagon-Riley Simon Family Tower
Breakfast/Lunch/Dinner 6:00a.m. - 1a.m. (7 days per week)

IU Health Methodist Hospital:

Beacon Cafeteria
Breakfast 6:00 am-10:30am
Lunch 10:45am - 2:00p.m. w/ salad bar option until 2:30p.m.
Grill: 11:00a.m - 3:00p.m.
Late Dinner: 10:00p.m. - 2:30am
Deli/Action Station: 10:45a.m - 3:00p.m.

Au Bon Pain (located on Professional Ave.)
6:00 am-10:00 pm

Sonny's Pizza (located in BG 73)
10:45 am-7:30 pm (weekdays)

Pathology Lab:

Breakfast 7:30 am-9:00 am
Grab & Go 9:00 am-10:45 am
Lunch 10:45 am-2:00 pm (weekdays)
Closed weekends!



The Sydney and Lois Eskenazi Hospital: provides all residents during their rotation at Eskenazi, a Meal Card that can be used at the Ingram Micro Mobility Marketplace located on the second floor adjacent to the main lobby of the hospital, Café Soleil and Café Soleil Express located on the first floor of the Fifth Third Faculty Office Building adjacent to Eskenazi Hospital and Café Soleil Express, located at the Eskenazi Health Center. The card is not accepted at Starbucks at the Fifth Third Faculty Office Building and Duos Restaurant, located on the common grounds at the main hospital.

The card value is based on the number of meals the resident will be allocated during their rotation at Eskenazi Health.   Each meal is valued at $5.50 inclusive of tax.  The card is activated once the rotation begins and is deactivated once the rotation ends.  The card is charged as a debit card to the
account.  For example if a resident is allocated 10 meals during their rotation, their card would be valued at $55.00.  Each time the resident uses the card, the remaining balance is on their receipt from the register.  The resident has the ability to manage their meal allocation during their rotation.  Additional meal balances required during the rotation must be authorized by the Program Director or unit representative of the rotation who in turn will contact the department to authorize the additional amount to be added.

Unused balances are not considered cash and are not to be redeemed for additional products unrelated to a meal in all retail outlets.  Eskenazi Health has a strict standard on the usage of resident meal cards. Meal cards are not to be used outside the rotation.  Residents may use their card for their use only and guest meals are not appropriate charges.  Any abuse can and will be reported to the appropriate representative by the Food and nutrition Staff at Eskenazi Health.  Lost cards must be reported to the Department by calling the Department’s main number at 317-880-5698 or by calling the operation manager at 317-880-5636.  Replacement cards are $5.00 each and payable to the Department of Food and Nutrition.

Ingram Micro Mobility Marketplace Hours

24 hours Monday through Friday
6 a.m. to 12 a.m. (midnight), Saturday and Sunday

Cafe Soleil Express and Cafe Soleil Hours

Monday through Friday, 7 a.m. - 3 p.m.

Duos (located within The Commonground, in front of the Eskenazi Health Outpatient Care Center)- (does not accept resident meal card)

Monday through Friday, 7 a.m. - 3 p.m.

Starbucks Hours- (does not accept resident meal card)

Monday through Friday, 6 a.m. - 6 p.m.
Saturday, 7 a.m. - 2:30 p.m.


VA Medical Center: House staff assigned as "Officer of the Day" (OD) are authorized to receive the evening meal, a snack with the evening meal, and breakfast (following morning) Monday through Friday. Three meals and a snack are provided Saturday, Sunday, and federal holidays (noon, evening, snack and breakfast the following morning). House staff must be scheduled on duty at VAMC and have a signed meal ticket to be eligible to receive these meals. If you are unable to pick up a tray in the evening, call 82814, give your name and service, and a tray will be held for you until 7 pm. If house staff are unable to get their meals at the times noted, a frozen dinner, bread, milk, and fruit (evening meal) and milk, fruit, and cereal (breakfast meal) will be provided in Room C-B060. House staff must sign their name, service, type of meal, and the date on the frozen meal sheet hanging on the refrigerator. This will permit Nutrition and Food Services to track food items to ensure that ample supplies of dinners are available. In addition, other food items, e.g., bagels and cream cheese, yogurt and fruit, will also be located in this room throughout the day.

On-call meals from Dietetics:

Breakfast 6:30-8:30am
Lunch 11:30am-1:30pm
Dinner 4:30-6:30pm

If a resident is unable to make it during the time frame noted, call ext. 82814 and arrangements will be made to hold a tray. Breakfast can be held until 9:30 and Dinner until 7:45.

Cafeteria 7:30am-2:00pm

Starbucks 7:30am-3:30pm

 

IUPUI Campus Center: (does not accept resident meal card)
The Campus Center is located at the corner of University Blvd. and Michichan St. (425 University Blvd).  The food court inside offers a variety of dining options. Visit the website for the list of restaurants and their hours. 

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FEE COURTESY INFORMATION

Summary of House Staff fee courtesy benefits:

House Staff Member - Covered tuition paid at 100% up to a dollar limit* per semester; based on 100% of three credit/audit hours and 50% for another three credit/audit hours, at the Indiana resident undergraduate, graduate, or professional rate.

Spouse/Domestic Partner Fee Courtesy - covered tuition paid at 100% up to a dollar limit* per semester; dollar limit based on 50% of three credit/audit hours at the Indiana resident undergraduate rate.

Dependent Child Fee Courtesy - 50% of Indiana resident undergraduate rate, up to a maximum of 140 credit hours towards the first baccalaureate degree.

*Dollar limits will vary based on tuition rates at each campus, and will increase from year to year based on tuition rates approved by the Board of Trustees. Covered tuition does not include special fees such as those for laboratories, applied music, student teaching, dissertation research fees, facility fees, etc.

 Click here for current rates.

Please refer to the Fee Courtesy Application for more detailed information regarding this benefit.

Applications for fee courtesy are available at the Office of Graduate Medical Education, Fesler Hall, Rm. 224 and on the "Frequently Requested Forms" page of this website.  Applications must be submitted to the Office of Graduate Medical Education.

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BANKING SERVICES

Membership to the Indiana Members Credit Union is available to the house staff. The Credit Union offers a number of services including savings, no-charge interest-bearing checking, a variety of loans, payroll deduction, and a mortgage loan designed especially for residents called the 3/3 ARM Program. The dividend rate on regular savings, money market and checking accounts is very competitive. A $50 deposit is required. The facility is located on the second floor of the IUPUI Campus Center. Phone Number: 636-8479. ATMs are located at all affiliated hospitals and many buildings on the IUPUI campus. Preferred Private Banking Programs are offered by Stockyards Bank & Trust and Regions Bank. They will provide banking services as well as assistance with student loan payments and other financial needs.

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FITNESS FACILITIES

Swimming, indoor track and workout equipment are available to house staff at a reduced rate at the Natatorium (274-3518) and the National Institute for Fitness and Sport (NIFS)(274-3432). Residents/fellows are also allowed to use the fitness centers located at Clarian Methodist and Clarian IU Hospitals. The fee for using the centers is $15/month (you'll be billed quarterly for $45). The centers are open 24 hours/day, 7 days/week. The Methodist center is located in Building E, and the IU center is located in the basement of the out patient center.  Call Bryland Sutton at 962-8104 to set up access to either site.  

The VAMC exercise room is located in room C-B008 (Basement - C wing). Access is through a key pad. Residents go to VAMC Employee Health to sign a waiver and than will be given the key pad access code. Employee Health is located in room C-2106 (2nd floor - C wing).

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